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Kelley Wolfe

VP of Mortgage Lending
385 Garrisonville Road, Suite 117, Stafford, VA 22554
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NMLS: 527951
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My loan agent went above and beyond to help me obtain my loan and even provided information on properties. I have already recommended her to a friend and look forward to working with Guaranteed Rate again.

Antoine J. | November 2017

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Kelley interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
12 years -I started out in this business as processor and then migrated to production manager. I have an advantage that most loan officers don’t have because I know the ins and outs of the process.
What specific steps do you use to help your customers find the best home loan for them?
During the initial stage of the process, I like to meet with my clients one on one to talk about their goals, needs and wants. This helps me address any areas that need attention.
Tell us about a specific challenging borrowing situation and how you got the mortgage closed and funded.
I recently closed an FHA purchase transaction where the borrower was actually the agent on the loan. Due to this, we had to provide the full tax returns for the last 2 years which had Schedule C loss and unreimbursed business expenses. Due to this, we ended up having to add a non-occupying co-borrower.
What advice would you give new or first time home buyers?
Make all payments on time, doesn’t open new lines of credit or pay off lines of credit without consulting me first as this could be detrimental to their qualification
What part of the home loan process do customers find most difficult and how do you help them through it?
One thing that I have seen over and over again is the handoff to processing and the customer not knowing who to contact with questions during the process.
What resources could you recommend that borrowers use to learn more about the mortgage process and how to ensure a successful home closing?
I would recommend that they take a first-time home buyers course
What can borrowers do to insure a smooth mortgage underwriting process?
Being upfront with their LO about their goals as it pertains to the transaction; including being upfront about income/assets and credit. Sometimes we don’t get the full story and that’s where problems arise.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
I am a member of 2 local chambers of commerce in my community. I am also a co-founder of a networking group called Elite Networking Mixer. I am also a part of a Non-profit called Generation Hope that provides resources to single teen moms get into college to earn a degree. As a single teen mom once, this near and dear to me. I have been mentoring my scholar for almost 3 years. It has been a joy watching her grow into an amazing young professional woman.
Summary of where you grew up: family, affiliations, college, high school, etc.
I was born and raised in Northern Virginia- I attended Osbourn High School and Everest University- studying Business Management.
What provides you with the most satisfaction in your job as a Loan Officer?
Helping people achieve their goal of becoming home owners.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I enjoy being a mama to my 2 kids who are 10 and 16. I love being active in our community, to make it a better place to live and work.
Tell us something that makes you unique or something wacky, yet interesting about you?
Gosh, this is a hard question. I would say that something that makes me unique is that I am adopted. I was adopted when I was 2 years old along with my brother who is a year older.

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